Privacy

Hunter Premium Funding is one of Australia and New Zealand's leading specialist premium funders. Hunter funds both commercial and domestic insurance premiums, the majority of which are sourced through the insurance broker intermediary market.

Protecting your privacy and the confidentiality of your personal information is important to us, as it’s fundamental to the way we conduct business.

Hunter Premium Funding aspires to best practice procedures and has robust systems in place for handling and protecting your personal information.

Credit-related information is credit information, credit eligibility information and related information.

Credit information is personal information that includes:

• information about an individual, like their name, date of birth and address.
• information about the individual’s past experiences with us and other lenders, such as the kinds of credit products the individual has had or sought and how the individual has managed his or her obligations.

Credit eligibility information is information that has been obtained from a credit reporting body, or that has been derived from that information, that is about an individual’s credit worthiness.

Where it’s possible, we’ll collect personal information, including credit information, directly from you. Information will generally be provided to us in an application for a loan and any supporting documentation, and may include your name, address and contact details and information specific to the loan, such as information about your financial position, employment details and your reasons for applying for the loan.

However, in some circumstances we will need to collect your personal information, including credit-related information, from third parties. These circumstances may include collection of your personal information from, where relevant, an insurance intermediary, your referees, your employer, other credit providers and our third-party service providers, including credit reporting bodies, for the purposes of assessing your loan application. We may also create personal information about you through our internal processes, such as credit eligibility scoring information.

When we collect personal information about other individuals from you, rather than from the individual themself, we rely on you to have made or to make them aware that you have provided or may provide their information to us as well as the contents of this Privacy Policy, and any privacy disclosure that we make when the information is collected. We rely on you to have notified such individuals of these matters. If you haven’t done or won’t do these things, you must tell us before you provide their information to us.

For some loans we may also collect sensitive information. This may include, for example, information about an individual’s health, religion and any criminal convictions an individual may have. Unless we are required or permitted by law to collect sensitive information about you, we’ll obtain your consent to do so. However, if the information relates directly to your ability to meet financial obligations you owe to us, you’re treated as having provided such consent.

The information we collect allows us to assess risks and to write and administer your loan. We’ll only collect personal information that’s relevant to our business relationship with a customer. We’re required to collect information about individuals by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth). If we don’t collect personal information from you we won’t be able to do business with you.

We may collect information about your visit to our website to assist us to measure and improve our website. Examples of information we collect include: date and time of your visit, whether you have previously visited our website or if you used a search engine to find us, and some geographical information about what country and state you are in.

We use website analytics tools to collect visitor information so we can better understand how to improve our products and services for you. These tools use interaction tracking technology in the form of small information files that are placed on a website visitor’s device through their browser when they visit a website. These files may be referred to as ‘cookies’, ‘pixels’, ‘widgets’ or ‘scripts’. For information on turning off these files, go to the privacy settings section within your browser.

In addition to these files, website analytics tools use other data collection methods such as appending query strings to an image request. We store website analytics data securely and don’t share it with third parties.

We also use third party tracking tools, for example, through Google Ads. These tools enable us to display tailored advertising to you on different websites across the internet based on your prior visits to our website. We don’t collect any identifiable information about you through this process.

We also use other external companies for the following purposes:

• for web hosting services for this website.
• to gather non-personal information (using tracking tools) in order to evaluate the website’s effectiveness, for example online marketing activities.

We may use your personal information, including credit-related information, for the purposes of providing loans and managing our business. This may include:

• assessing and processing your loan application.
• establishing, providing and administering your loan.
• carrying out your instructions.
• anything we are required or authorised by law to do.
• maintaining our business systems and infrastructure.
• research and development.
• collecting overdue payments.
• marketing our products and services and those of third parties.

Generally, won’t use or disclose your personal information, including credit-related information, for any purpose other than one:

• that’s set out in this Privacy Policy.
• that you would reasonably expect.
• that’s required or permitted by law.
• disclosed to you and to which you have consented.

We may disclose your personal information, including credit-related information, to other organisations, including:

• our related companies.
• assignees, agents and contractors.
• our external service providers, such as loss adjusters, assessors, insurers, mailing houses and research consultants.
• other financial institutions and credit providers, for example, when you apply for a loan with another credit provider and you agree to us disclosing your information to that credit provider.
• credit reporting bodies, including disclosing that you’re in default under a credit contract or commit a serious credit infringement.
• debt collection agencies.
• our professional advisors such as accountants, lawyers and auditors.
• anyone who purchases or otherwise obtains an interest in your loan, or is considering doing so, and their professional advisers.
• government, law enforcement, dispute resolution, statutory and regulatory bodies.

We limit the use and disclosure of any personal information we provide to any such third party to the specific purpose for which we supplied it. We also take reasonable steps to ensure these third parties are aware of our privacy obligations and are bound by sufficient confidentiality and privacy obligations with respect to the protection of your personal information.

We may disclose your personal information, including your credit-related information, to our related companies, business partners and service providers located overseas. The countries to which this information may be disclosed may include Australia and New Zealand. However, if we disclose this information outside Australia, we’ll do so on the basis that the information will only be used for the purposes set out in this Privacy Policy.

We take all reasonable steps to ensure that your personal information, including credit-related information, we hold is protected from:

• misuse, interference and loss.
• unauthorised access, disclosure or modification.

When we no longer require your personal information, including where we’re no longer required by law to keep records relating to you, we take reasonable steps to ensure it is destroyed or deidentified.

You may ask for access to the personal information, including credit-related information, we hold about you at any time by contacting us on 1300 486 837, AEST 8.30am to 5pm Monday to Friday. We will respond to your request for access within a reasonable time.

If we refuse to give you access to any of your personal information, we’ll provide you with reasons for the refusal and the relevant provisions of the Privacy Act on which we rely to refuse the access. If you wish to challenge our decision, you may do so by using the contact details noted above.

We may charge you the reasonable cost of providing our response to a request for access to personal information.

Hunter aims to ensure that the personal information, including credit-related information, that we collect, use or disclose is accurate, up to date and complete.

However, if you believe that information we hold about you is incorrect, out of date or incomplete, you can request that we update this information by contacting us on 1300 486 837 AEST 8.30am to 5pm Monday to Friday. We’ll deal with your request to correct your personal information within a reasonable time.

If we don’t agree with the corrections you’ve requested, we’re not obliged to alter your personal information accordingly. However, where we refuse to correct any personal information as requested by you, we’ll give you a written notice, which sets out the reasons for our refusal.

We may use your personal information to advise you about or offer you information on Hunter and third-party products or services that we believe may be relevant and of interest to you. However, we won’t do so if you tell us not to. We may also provide your details to other organisations for specific marketing purposes.

You may opt out of receiving marketing communications at any time if you no longer wish to receive marketing information or don’t wish to receive marketing information in a particular way, for example, by email. To do so, please call the Hunter Marketing Privacy Service Line on 1300 486 837, AEST 8:30am to 5pm Monday to Friday. Alternatively, you may complete the Contact Us Form on the Hunter website, to unsubscribe from our email marketing messages.

Our address is GPO Box 1121, Sydney, NSW 2001.

Contact us online or by calling 1300 486 837.

In the course of using our website, you may provide Hunter Premium Funding with personal information. Hunter Premium Funding will use all reasonable measures to protect any such information from being used for any purpose other than the provision of loans or services by Hunter Premium Funding or any of its related bodies corporate.

If you’d like further information regarding privacy in general, the Australian Privacy Principles or credit-related information under Division 3 of Part IIIA of the Privacy Act, please visit the Office of the Australian Information Commissioner’s website.